Can I retire at age 35 with 842,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $842,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$69,532$68,912$68,308$67,718$67,142$66,496
2 years$34,422$33,781$33,159$32,557$31,973$31,322
3 years$22,720$22,076$21,456$20,859$20,285$19,649
4 years$16,870$16,228$15,615$15,028$14,467$13,852
5 years$13,361$12,723$12,118$11,543$10,998$10,405
6 years$11,023$10,389$9,793$9,231$8,702$8,132
7 years$9,353$8,725$8,138$7,589$7,077$6,530
8 years$8,101$7,479$6,902$6,367$5,871$5,347
9 years$7,128$6,512$5,944$5,423$4,944$4,444
10 years$6,350$5,740$5,182$4,675$4,213$3,735
11 years$5,714$5,110$4,562$4,068$3,623$3,167
12 years$5,184$4,586$4,049$3,568$3,140$2,706
13 years$4,736$4,145$3,618$3,150$2,738$2,325
14 years$4,353$3,767$3,250$2,797$2,400$2,008
15 years$4,021$3,442$2,935$2,494$2,113$1,741
16 years$3,730$3,158$2,661$2,233$1,868$1,515
17 years$3,474$2,908$2,421$2,006$1,656$1,322
18 years$3,247$2,687$2,210$1,808$1,472$1,157
19 years$3,044$2,490$2,023$1,634$1,312$1,015
20 years$2,862$2,314$1,857$1,480$1,172$891
21 years$2,697$2,156$1,708$1,343$1,049$784
22 years$2,547$2,012$1,574$1,221$940$691
23 years$2,411$1,882$1,453$1,112$844$610
24 years$2,286$1,763$1,344$1,014$759$539
25 years$2,171$1,655$1,245$926$683$476
26 years$2,065$1,555$1,155$847$615$421
27 years$1,967$1,464$1,072$775$554$373
28 years$1,877$1,379$997$710$500$331
29 years$1,792$1,301$928$651$452$293
30 years$1,714$1,229$864$598$408$260
31 years$1,641$1,162$806$549$369$231
32 years$1,572$1,099$752$505$334$205
33 years$1,508$1,041$702$464$302$182
34 years$1,448$986$656$427$274$162
35 years$1,391$936$613$393$248$144
36 years$1,337$888$573$362$224$128
37 years$1,287$843$537$333$203$113
38 years$1,239$802$503$307$184$101
39 years$1,194$762$471$283$167$90
40 years$1,151$725$441$261$152$80
41 years$1,111$690$414$241$138$71
42 years$1,072$657$388$223$125$63
43 years$1,035$626$364$205$113$56
44 years$1,000$597$342$190$103$50
45 years$967$569$321$175$93$44
46 years$935$543$302$162$85$40
47 years$905$518$283$150$77$35
48 years$876$495$266$138$70$31
49 years$849$473$250$128$64$28
50 years$822$451$235$118$58$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $842,000, adding $6,835 every year, while hoping to spend $32,750 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 27/45/28 Blend
34$842,000$842,000$842,000$842,000
35$934,934$890,308$877,257$951,895
36$995,452$899,088$871,800$974,937
37$1,061,045$907,200$865,062$996,398
38$1,132,195$914,577$856,966$1,018,774
39$1,209,436$921,148$847,430$1,042,168
40$1,293,350$926,836$836,371$1,066,692
41$1,384,581$931,560$823,699$1,092,473
42$1,483,836$935,234$809,320$1,119,654
43$1,591,893$937,765$793,138$1,148,395
44$1,709,607$939,058$775,049$1,178,876
45$1,837,922$939,006$754,948$1,211,297
46$1,977,874$937,501$732,723$1,245,881
47$2,130,604$934,426$708,256$1,282,881
48$2,297,368$929,656$681,426$1,322,575
49$2,479,551$923,059$652,104$1,365,277
50$2,678,673$914,497$620,157$1,411,334
51$2,896,411$903,821$585,446$1,461,135
52$3,134,610$890,874$547,824$1,515,113
53$3,395,303$875,489$507,139$1,573,750
54$3,680,727$857,491$463,231$1,637,583
55$3,993,346$836,693$415,934$1,707,208
56$4,335,873$812,897$365,074$1,783,290
57$4,711,297$785,894$310,469$1,866,565
58$5,122,909$755,462$251,929$1,957,855
59$5,574,334$721,368$189,257$2,058,070
60$6,069,564$683,363$122,245$2,168,221
61$6,612,997$641,186$50,678$2,289,430
62$7,209,477$594,558$0$2,422,943
63$7,864,340$543,187$0$2,577,818
64$8,583,462$486,763$0$2,764,566
65$9,373,319$424,958$0$2,969,803
66$10,241,044$357,427$0$3,195,486
67$11,194,493$283,804$0$3,443,780
68$12,242,323$203,702$0$3,717,078
69$13,394,071$116,714$0$4,018,024
70$14,660,242$22,409$0$4,349,540
71$16,052,412$0$0$4,714,855
72$17,583,333$0$0$5,156,986
73$19,267,056$0$0$5,655,606
74$21,119,061$0$0$6,204,222
75$23,156,404$0$0$6,807,908
76$25,397,876$0$0$7,472,251
77$27,864,183$0$0$8,203,410
78$30,578,138$0$0$9,008,170
79$33,564,879$0$0$9,894,009
80$36,852,103$0$0$10,869,163
81$40,470,327$0$0$11,942,711
82$44,453,177$0$0$13,124,656
83$48,837,708$0$0$14,426,018
84$53,664,745$0$0$15,858,942
85$58,979,276$0$0$17,436,811
86$64,830,872$0$0$19,174,370
87$71,274,156$0$0$21,087,870
88$78,369,316$0$0$23,195,214
89$86,182,677$0$0$25,516,133
90$94,787,320$0$0$28,072,369
91$104,263,779$0$0$30,887,879
92$114,700,793$0$0$33,989,063
93$126,196,149$0$0$37,405,013
94$138,857,601$0$0$41,167,784
95$152,803,889$0$0$45,312,704
96$168,165,857$0$0$49,878,698
97$185,087,689$0$0$54,908,663
98$203,728,268$0$0$60,449,867
99$224,262,678$0$0$66,554,401
100$246,883,853$0$0$73,279,665